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Car insurance comparison: what should you pay attention to and how to find the right car insurance?

In this day and age, life without a car would be hard to imagine for most of us, and many people are dependent on their vehicle. No motorist can get around car insurance, because in order for a car to be allowed on the road in Germany, it must have at least third-party liability insurance. However, choosing the right rate can be quite nerve-racking and time-consuming, and millions of car owners go hunting for the cheapest car insurance every year. And yet, you often feel like you haven’t made the right choice. So what should we look out for and how do we find the right car insurance for us? We will explain all that to you in the following!

Why is a car insurance comparison worthwhile?

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When you register a car, whether used or new, you need to buy car insurance. But with over 100 car insurers and the huge range of rates on offer, it’s easy to lose track. As a rule, you can cancel your old policy by November 30 and switch insurers. However, the price differences between insurance providers are quite large and by comparing them more closely, you can reduce your premium by up to 60 percent and save up to 700 euros a year. So think carefully about what insurance cover you really need for your vehicle. Do you have to drive long distances every day for work? Or do you tend to drive less and want to pay less? Then Friday’s number-per-mile car insurance might be right for you! All you have to do is estimate the approximate number of kilometers you drive and report it to the provider. If you drive less than estimated, you will get your money back at the end of the year and if you have driven more, you will only have to pay for the more kilometers.

How much should the insurance cover?

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The first thing you should think about is the specific rate. Do you need liability, partial or fully comprehensive insurance? Third-party liability insurance is mandatory by law for every motorist and pays for damage you cause to others in a traffic accident. However, damage to your own car is not covered and you have to pay for it yourself. The situation is different with partial or fully comprehensive insurance. For example, partial coverage insurance covers damage caused by natural disasters (storm, fire, lightning, flood). Glass damage is also usually covered and your car is insured against theft. If your car is damaged by vandalism or if you are responsible for an accident yourself, partial cover insurance does not pay.

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Fully comprehensive insurance usually costs more, but offers correspondingly greater insurance coverage. It includes all the benefits of partial casco and some policies even cover the repair costs in some cases of gross negligence. Whether partial or fully comprehensive insurance would make sense for you depends primarily on the value and age of the car. While partial cover insurance is worthwhile for older cars, fully comprehensive insurance is worthwhile for new cars in the first 3 to 5 years. This can even be mandatory for leasing agreements. In addition, you can agree on a deductible for partial and fully comprehensive insurance and thus save up to 30 percent on premiums.

Buy a vehicle with a low type class

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To help you save some money on car insurance, there are a few points you should consider when buying a car. The type class of the vehicle has a major influence on the amount. Depending on repair costs and common damage, all models are classified into classes and the higher the type class, the more expensive the insurance. The more often a vehicle type is statistically stolen or involved in accidents, the higher the type class and the more expensive the insurance premium. Especially older or very fast cars are usually more expensive. Small cars also fall into higher classes because they are often driven by novice drivers. It also makes a difference whether you drive a gasoline or diesel. As a fuel, diesel costs less, but car insurance is usually more expensive.

Take advantage of car insurance discounts.

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Each insurer offers different discounts that can affect the insurance premium. So find out what would make sense for you. If you drive the vehicle yourself, then the amount is usually lower. Also, if you have a lockable garage and do not park the car on the side of the road, you can take advantage of the “garage discount”. Do you have a hybrid vehicle or does your car drive with particularly low emissions? In this case, an eco-tariff or eco-discount would also be possible. And a little tip from us: if you pay your premiums annually instead of monthly, you can save up to 10 percent on car insurance. In addition, many insurers offer discounts if you agree to a direct debit.

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